Illinois IL Auto Insurance Rate

Reader’s Question:

I got a speeding ticket in IL while visiting there. I am from OH and my car is registered there. At the time of the infraction, I did not present my car insurance. I showed the insurance of the car owner. The law enforcement officer said that since it’s out of state, if I pay the ticket, no insurance points will go on my driving record nor on my car insurance. Is this true?

Ben

Bloomington, Illinois (IL)

In Illinois, any infraction you receive goes on your motor vehicle report. It doesn’t matter what state you are licensed in. It does not matter in what state you received the ticket. Plus, if you move, any tickets you receive with your IL driver’s license will follow you to your new state of residence, and the driver’s license you got from that state. That being said, if this was your 1st ticket, you might not see any change in your insurance rates. Most states have laws concerning when and why auto insurance companies can change policyholders’ premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other citation. Different carriers have different practices when it comes to increasing premiums. Some carriers will consider the severity of your infraction and raise your rates accordingly; others will raise rates a specific amount per violation.